Century Bank
Santa Fe, NM · Cert 28362 · Peer group: banks $1B-$10B in assets operating in a single state (n=268-269) · Century Finl Services Corp.
State charter, non-member · FDIC · 9 branches
Q2 2026
$1.4BAssets
$845.0MLoans
$1.2BDeposits
$119.6MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 84% of banks $1B-$10B in assets operating in a single state (rank 42 of 269).
- Widest gap: efficiency ratio trails 90% of banks $1B-$10B in assets operating in a single state (rank 242 of 268).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.74%
Rank 231 of 269
Net Interest Margin
4.05%
Rank 42 of 269
Efficiency Ratio
78.44%
Rank 242 of 268
Equity / Assets
8.79%
Rank 225 of 269
Non-interest income vs. expense
Unfavorable gap of $40.8M · efficiency ratio beats 10% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.74% | 0.93% | 1.23% | 1.54% | Beats 14% | 231 / 269 | | |
| Return on Equity | 8.44% | 9.13% | 11.77% | 14.52% | Beats 20% | 214 / 269 | | |
| Net Interest Margin | 4.05% | 3.16% | 3.50% | 3.88% | Beats 84% | 42 / 269 | | |
| Efficiency Ratio | 78.44% | 51.70% | 60.21% | 69.66% | Beats 10% | 242 / 268 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.07% | 0.19% | 0.45% | 0.89% | Beats 19% | 219 / 269 | | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.06% | Beats 78% | 60 / 269 | | |
| Capital |
| Tier 1 Capital Ratio | 12.85% | 11.29% | 13.10% | 15.21% | Beats 46% | 144 / 269 | | |
| Total Risk-Based Capital Ratio | 13.91% | 12.04% | 13.91% | 16.33% | Beats 50% | 135 / 269 | | |
| Equity / Assets | 8.79% | 9.18% | 10.29% | 11.76% | Beats 16% | 225 / 269 | | |
| Liquidity & Funding |
| Loans / Deposits | 68.80% | 72.68% | 86.29% | 95.72% | 18th pctl | 221 / 269 | | |
| Loans / Assets | 62.12% | 62.46% | 72.27% | 78.37% | 24th pctl | 205 / 269 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |